New York — More than half of small business employers who offer employee benefits encounter challenges during the enrollment process, according to a recent study from The Guardian Life Insurance Company of America (Guardian), a New York provider of employee and voluntary benefits to small and midsize companies.

The study, conducted just prior to the volatile events on Wall Street, examined small business owners' (1 to 100 employees) decisions about employee benefits. The survey release coincides with the beginning of the fall open enrollment season when millions of employees make important decisions about their benefits for the coming year.

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